Assurant Health Access

1. Assurant Health Access Keeping you selling 12 months a year ® For agent use only

2. Strong and experienced company Part of Assurant, Inc., a Fortune 500 company Rated A- (Excellent) by A.M. Best Company 120 years of experience Health insurance solutions for small businesses and individuals nationwide Source A.M. Best Ratings and Analysis of Time Insurance Company Assurant Health is the brand name for products underwritten and issued by Time Insurance Company (est. 1892) 2

3. Value provided to agents Financially secure and experienced 120 years of dedicated focus to agents’ needs Business model for success Products sold through agents from the start Service that stands out Administrative support with dedicated customer service centers Broad portfolio Reach more customers with more product choices 3

4. No matter the need, there’s a solution Individual Major Medical Assurant Health Access® Small Group Major Medical Assurant Supplemental Coverage Agents must be licensed and appointed by the state in which our products are sold. 4

5. Assurant Health Access Why are customers seeking different options?

6. Clients are looking for different solutions Customers in market because: • High individual major medical premiums • Many will not qualify for federal subsidies • Partially subsidized coverage may still be unaffordable • Employer-sponsored coverage declining WHY? 6 6

7. Solutions offered to a growing market Total Target Market 14 M consumers 7

8. Assurant Health Access What is it?

9. A different way to plan for everyday needs AHA plans pay fixed benefits that help pay for health care Fixed benefits are: Set cash amounts that won’t change no matter which provider is used, or how much the provider charges 9

10. Set cash amounts paid Bill The customer must assign the fixed benefit to the provider to receive the network discount. 10

11. Attraction points of AHA plans • Additional ways customers can prepare for and save on health care expenses: • Tools to research the cost of services • Third-party advocates to schedule doctor appointments, compare health care costs and help with claim issues • Third-party professional negotiators to help manage out-of-pocket expenses 11

12. Broad footprint NH WA VT ME MT ND MA OR MN NY WI ID SD RI MI WY CT PA NJ IA NE OH IL IN DE NV WV UT VA CO MD CA KS MO DC KY NC TN OK SC AR AZ NM MS AL GA AK Available in February 2014 LA TX HI Assurant Health Access available FL Exploring Options Existing business only Benefits vary by state 12

13. Sample premiums for customers* * For primary policyholder. 2014 rates shown do not include a one-time, non-refundable $25 application processing fee. Premiums shown are for TX; premiums and fees may vary by state. 13

14. Assurant Health Access Who is my target customer?

15. AHA target customer Those who are: • Customer profile: • Budget-conscious men and women, ages 30-50 • Households with 2 adults and up to 2 children • Median household income around $78,500 • Part-time occupations with no insurance offered • May need to purchase a single policy (primary, partner or child only) 15

16. The mindset of an AHA customer 16

17. Suitability — what to consider for your customer 17

18. Assurant Health Access How can I help customers get the most from AHA plans?

19. Tools to help control health care costs Assurant Price Check® Online tool that lets customers know before an appointment what health care services will cost Health Payment Advocates (HPA) Third-party negotiators to help manage customers’ payments after a medical bill is received Patient Care Third-party advocates to help your customers make sense of health care If clients live in Georgia, Assurant Price Check® will provide clients with accurate cost information, but the price guarantee is not available. 19

20. Patient Care customer services Customers can call 800.305.0377 Monday through Friday 7 a.m. to 9 p.m. CT Many customers find value through Patient Care! Team of experts to help with your customers’ post-sale needs You spend more time selling 20

21. Guaranteed pricing exclusively for AHA customers Find Assurant Price Check under the fixed-benefit tab at AssurantHealthSales.com, or AssurantPriceCheck.com Assurant® Price Check Guarantee Customers will not be responsible for any cost that exceeds the quoted price range, provided they receive services for the procedure code shown, from the doctor listed, and for which their First Health Network discounts apply. This price guarantee is good for services received up to 30 days after the date Assurant Price Check provides pricing.* Assurant Price Check is not insurance. It is a price estimate of what you would be charged after your network discount is applied. Assurant Price Check is not a guarantee of Assurant Health Access plan benefits. The program is subject to change. *Guarantee is not available in Georgia. 21

22. Experienced negotiators to help with bills 22

23. More ways to help customers control costs 23

24. Add-on products for added protection Get Dental, Accident and Critical Illness with Assurant Supplemental Coverage • Additional protection to fill in gaps — cash benefitsfor medical and non-medical costs • Minimize the amount customerspay out of their own pockets • Dental plans payimmediate fixed benefits for preventive care for any dentist 24 24 24 24

25. Just one click Create a bundled solution to enhance your customers’ protection and increase your compensation • Just one click to bundle Assurant Supplemental Coverage with Assurant Health Access • Easy, online quotes and submissions • Make more money when you sell both products • Just a few additional health questions • Only when adding Cancer and Heart/Stroke to Assurant Health Access • One seamless application process 25 25

26. Assurant Health Access What do the three plan options look like?

27. 3 different plan options to choose from 3 different plan options to choose from Inpatient hospitalization calendar year maximum benefits: $200,000 Value, $500,000 Fundamentals, $1 million Enhanced. Inpatient hospitalization calendar year maximum benefits: $200,000 Value, $500,000 Fundamentals, $1 million Enhanced. Inpatient hospitalization calendar year maximum benefits: $200,000 Value, $500,000 Fundamentals, $1 million Enhanced. 27

28. Assurant Health Access How does it work?

29. AHA claim examples: important notes 29

30. Woman’s routine checkup example Total: $310 Total: $195 Total: $115 30

31. Mammogram Total: $420 Total: $145 Total: $275 31

32. Retail health care clinic for strep throat Total: $70 Total: $0 Total: $85 32

33. Broken arm (radius) A supplemental accident plan would have paid an additional $700 in cash benefits Total: $2,684 Total: $1,482 Total: $1,202 33

34. Neoplasm of frontal lobe Total: $74,420 Total: $88,845 Total: $14,425 34

35. Assurant Health Access What makes enrollment and post-sale easy?

36. Customer-friendly online application process Over 90% instant decision 36

37. On-boarding process — you keep focused on selling 37

38. Align yourself for success in 2014 with Assurant Health and AHA 38

39. Here to help you Stephens-Matthews Marketing1-800-544-8250www.stephens-matthews.com 39

40. Thank you! Assurant Health Access plans have limitations and exclusions. A list is available at assuranthealth.com. Coverage is renewable provided there is compliance with the plan provisions, including dependent eligibility requirements; there has been no discontinuation of the plan or Assurant Health’s business operations in this state; and/or you have not moved to a state where this plan is not offered. Assurant Health has the right to change premium rates upon providing appropriate notice. Thank you! Assurant Health is the brand name for products underwritten and issued by Time Insurance Company. J-106067 (rev. 1/2014) 40

41. Maintenance care and therapies: • Routine hearing care, artificial hearing devices, cochlear implants, auditory prostheses, routine vision care, vision therapy, surgery to correct vision, routine foot care and foot orthotics • Routine dental care, unless you choose the dental insurance option Cosmetic services and procedures: • Services including chemical peels, plastic surgery and medications • Any correction of malocclusion (irregular tooth contact), protrusion, hypoplasia (abnormality in dental enamel) or hyperplasia (abnormality) of the jaws Reproductive-related procedures or concerns: • Diagnosis and treatment of infertility • Maternity, pregnancy (except complications of pregnancy), routine newborn care, surrogate pregnancy, routine nursery care and abortion • Sterilization and contraceptive procedures, drugs or devices Quality of life concerns: • Inpatient treatment of chronic pain disorders • Storage of umbilical cord stem cells or other blood components in the absence of sickness or injury • Genetic testing, counseling and services • Treatment, services and supplies related to sex transformation, gender dysphoric disorder and gender reassignment; treatment of sexual dysfunction or inadequacy; or restoration or enhancement of sexual performance or desire • Treatment for smoking cessation and hair loss • Cognitive enhancement • Prophylactic treatment, services and surgery Prescription drug benefits do not include and will not provide benefits for: • Over-the-counter products • Drugs not approved by the FDA • Drugs obtained from sources outside the United States • Take-home drugs dispensed at an institution THIS PLAN ALSO WILL NOT PAY BENEFITS FOR: • Any amount in excess of any maximum benefit or for non-covered events and associated complications • Durable medical equipment and personal medical equipment • Treatment undergone outside the United States • Treatment of behavioral health or substance abuse • Treatment, services, supplies, diagnosis, drugs, medication, surgery or medical regimen related to controlling weight, obesity or morbid obesity • Treatment for snoring • Experimental or investigational treatments; homeopathic treatments; alternative treatments, including acupuncture; spinal and other adjustments, manipulations, subluxation and services; massage therapy • Telehealth and telemedicine (including but not limited to treatment rendered through the use of interactive audio, video or other electronic media) • Illness or injury caused by war or while in the military; commission of a felony; or influence of an illegal substance • Treatment or services due to injury from hazardous activities, such as extreme sports, whether or not for compensation, including, but not limited to, hang-gliding, parachute or bungee jumping, rock or mountain climbing • Services ordered, directed or performed by a health care practitioner or medical provider who is an immediate family member • Treatment used to improve memory or slow the normal process of aging • Home health care, hospice care, skilled nursing facility care, inpatient rehabilitation services, custodial care and respite care • Sickness or injury arising out of or as the result of any work for wage or profit that is eligible for benefits under Workers’ Compensation, employers’ liability or similar laws • Treatment for behavioral modification or behavioral (conduct) problems; learning disabilities; developmental delays; attention deficit disorders; hyperactivity; educational testing, training or materials; memory improvement; cognitive enhancement or training; vocational or work-hardening programs and transitional living • Growth hormone stimulation treatment to promote or delay growth • Treatment for TMJ and/or CMJ and certain jaw/tooth disorders • Services incurred due to a pre-existing condition for the first 12 months the plan is in force Assurant Health Access exclusions 41 41

42. PRE-EXISTING CONDITIONS LIMITATION A pre-existing condition is a sickness or injury and related complications for which any of the following occurred during the 12-month period immediately prior to the effective date of your Assurant Health Access plan: • You sought, received or were recommended to receive medical advice, consultation, diagnosis, care or treatment; • You were prescribed prescription drugs; • You experienced signs or symptoms significant enough that either: — the signs or symptoms should have or would have allowed a health care provider to diagnose the condition; or — the signs or symptoms reasonably should have or would have caused an ordinarily prudent person to seek diagnosis or treatment We will not pay benefits for periods that result from or are related to a pre-existing condition, or its complications, until the covered person has been continuously insured under this plan for 12 months. EXCLUSION FOR VALUE ONLY: Charges for dispensation or fulfillment of prescription drugs For detailed plan benefits, exclusions and limitations, visit assuranthealth.com or refer to the insurance contract. In the event there are discrepancies with the information in this brochure, the terms and conditions of the coverage documents will govern. THIS BROCHURE IS FOR USE IN ALABAMA, ARKANSAS, FLORIDA, ILLINOIS, IOWA, MICHIGAN, MISSISSIPPI, MONTANA, NEBRASKA, NORTH CAROLINA, PENNSYLVANIA, SOUTH CAROLINA, TENNESSEE, WISCONSIN AND WYOMING. Assurant Health Access plans are fixed-indemnity insurance plans that pay limited benefits. Assurant Health Access plans do not constitute comprehensive health insurance coverage (often referred to as major medical coverage) and do not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Without minimum essential coverage, the customer may need to pay a tax penalty, depending on their income level and the cost of insurance plans available. Exclusions continued 42 42